Incident & Insurance Reporting Procedure
All incidents must be reported accurately and within the required timeframe. Drivers are responsible for ensuring that any collision, damage, or insurance-related event is recorded and communicated correctly.
Failure to report incidents can lead to serious legal and financial consequences for both the driver and the company.
---What is an Incident?
An incident includes any event involving the vehicle, load, or third parties.
- Road traffic collisions (minor or major)
- Damage to your vehicle
- Damage to third-party property
- Injury to any person
- Load damage or loss
- Contact with insurance companies
If unsure whether something qualifies as an incident, it must be reported.
---Immediate Actions at the Scene
Drivers must follow these steps immediately after an incident:
- Stop the vehicle safely
- Switch off engine and secure the vehicle
- Check for injuries (yourself and others)
- Call emergency services if required
- Do not leave the scene
Safety of people is always the first priority.
---Information to Collect
Drivers must collect accurate information at the scene.
- Other driver’s name, contact details, and registration
- Insurance details (if available)
- Location, date, and time of incident
- Details of any witnesses
If safe to do so, record all relevant information before leaving the scene.
---Photographic Evidence (Critical)
Drivers must take clear photos wherever possible:
- Vehicle positions
- Damage to all vehicles involved
- Road conditions and surroundings
- Number plates
- Any relevant signage or hazards
Photos provide essential evidence for insurance and liability decisions.
---What NOT to Do
- Do not admit fault
- Do not argue with other parties
- Do not make assumptions about liability
- Do not leave the scene without exchanging details
Remain professional and factual at all times.
---Reporting Time Requirements
All incidents must be reported:
- Immediately if serious (injury, major damage)
- Within 24 hours for all other incidents
Late reporting can invalidate insurance and create legal exposure.
---How to Report
- Complete the driver check / incident section
- Notify the operations team directly
- Provide full and accurate details
Insurance Contact
Drivers must report:
- Any contact with insurers
- Any claim discussions
- Any third-party insurance involvement
All insurance communication must be declared within 24 hours.
---Post-Incident Responsibilities
- Cooperate with investigation if required
- Provide additional information if requested
- Do not alter or conceal facts
Accurate reporting ensures proper handling of claims and protects all parties involved.
---Compliance & Enforcement
- Failure to report incidents may result in suspension
- False or incomplete reporting is a serious breach
- Repeated issues will result in removal from the driver network
Driver Declaration
By completing the daily driver check, the driver confirms:
- All incidents within the last 24 hours have been reported
- All information provided is accurate
- No relevant events have been withheld